Updated September 29, 2025 by Samantha

Many think financial planners just push insurance, but in reality, they guide clients with professionalism and trust — helping improve cash flow, plan retirement, and reach goals, while growing personally and professionally.

More Than Just Insurance: Busting Myths About Financial Planners

First most people will have the assumptions of the title as insurance agent . The name is not classy n give the impressions of selling , pushy and all materialistics stuff . But this is not true, this industry needs people who are responsibility , noble and practice integrity and professionalism .Recently the Life Insurance association have imposed more criteria such as before you want to become an insurance agent , need to do employment and credit checking to increase the standard and credential. Lat time , many people will start as a part timer but now they will imposed with minimum KPI to make sure practice the professionalism with no compliant, mis -selling and more need to attend more courses to gain knowledge.


Self confidence & personal growth Most people think to start the insurance business must sell & push to circle of friends and relatives, and must know all the products knowledge and benefits. And young people always tell me they don’t know how to start conversation with strangers and don’t want to sell to their circle of friend or relatives. In FTA , we hear this and in our sales process we will start with financial fitness test . This test will give financial awareness and financial positions first and here you will pick up some soft skill as analyzing , listening , ask right questions, problem solving and etc.

With this process , the person will gain personal growth and self confidence. After you able to analyze client problems you can help to improve cash flow or reduce debts with the right advise and solutions. Through this process our team will build a two way communication, trust and relationship and value added to client instead of promoting products . There is a quote stated that” no people love to be sold “ One of the obvious problems in currently happen in Malaysia ,is most people not able to retire or have smooth retirement during old aged. 

Do you know the average percentage of Malaysian preparing for retirement is low as 38% and some people start at aged of 40 plus or most only rely one sources which EPF why ? 

During FFT , we found most people always think is too early to discuss about retirement , still have times and delay planning. But in fact , if you want to have smooth retirement, you need to start during working days and why people delay , is they not sure when they want to retire and how much they really need for retirement . In FFT , all this problems is answerable and we will give advise and help to start to plan with client. For those new in the industry , FFT also help to reduce all unnecessary rejection such as I don’t need it , I think about it, I don’t have money.

In FTA , we target both offline and online and younger generations for example, Gen Z and millennials , we see the opportunity for them to reach through online is much more faster than online .

Career advancement

Through my 20 years experience , my personal development and growth is much more compare to my peers. Through this journey I have pick up most soft skills such and have opportunity to become leader to lead my team and your network will expand because the chances of met different people in different work and personality. And sooner , all your client will becomes friends and friend become clients Do you know that we need to have many general knowledge related to financial such as health , illnesses , will writing , housing loan , tax , EPF and unit trust. All this knowledge will get along during our journey . And there is a tips to get all this knowledge faster , imagine yourself is the CPU , when you talk to client practice listening skills and asking questions . With this , when you meet the background of work with another client , you will able to align faster .

Many people will assume to become insurance agent is easy and about selling , selling for the whole life . But this actually wrong assumption, In FTA business model , we design to build and everyone can lead . we want to build leader for personal growth . And with our system to scale up manpower and company branding, we just need to follow system and growth manpower. But , many people get wrong message that if I get promoted I will just enjoy with overriding doing nothing and my team will work for me to have good income. This is actually a wrong mindset , when you are leader you need to upskill yourself in coaching , training and helping others to success . With this, your priority from selling will change to recruitment which trap in ratrace . In FTA , we hope all people can really understand the truly meaning of passive income and enjoy financial freedom .

Whether you want to safeguard your family, expand your wealth, or explore new career paths, FTA is here to guide you every step of the way.

FTA Wealth Solutions is a one-stop financial consultancy in Malaysia, offering holistic services from financial planning and nomination to will writing. As an approved HRDF Corp (Human Resource Development Fund) training provider, we also deliver structured financial literacy and professional development programmes. With over 20 years of industry experience and partnerships with leading providers, we help Malaysians protect, grow, and secure their wealth with clarity and confidence.

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5-1-3, Jalan 2/109F,
Danau Business Centre, Taman Danau Desa,
58100 Kuala Lumpur

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